Enter your assets and liabilities to calculate your net worth instantly. See a full breakdown, your debt-to-asset ratio, liquid net worth, and a 20-year projection with three growth scenarios. AI explanation by Cal included.
Currency
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Enter Your Assets & Liabilities
Assets — What You Own
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Current market value
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Business value, art, jewellery, collectibles
Liabilities — What You Owe
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Growth Assumptions (for 20-year projection)
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New money added to investments each year
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Expected annual return. 7% is a common long-run estimate.
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Expected annual growth in property values
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Total principal reduction across all debts per year
💰 Your Net Worth Today
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Total Assets
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Total Liabilities
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Debt-to-Asset Ratio
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Liquid Net Worth
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📈 Assets Breakdown
Primary home—
Investment properties—
Stocks & ETFs—
Pension / retirement—
Savings & cash—
Crypto & alternatives—
Vehicle(s)—
Other—
Total Assets—
📄 Liabilities Breakdown
Mortgage—
Investment property loans—
Car loan—
Student loan—
Credit card balances—
Personal loans—
Other debts—
Total Liabilities—
Net Worth
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total assets minus total liabilities
Liquid Assets
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cash, stocks, savings
Debt-to-Asset Ratio
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below 50% is healthy
Projected Net Worth (20yr)
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base case scenario
20-Year Projection — Three Scenarios
⚒ Conservative
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▶ Base Case
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📈 Optimistic
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Net Worth Projection — 20 Years
Net worth
Total assets
Total debt
Year-by-Year Net Worth Projection
Year
Net Worth
Total Assets
Total Debt
Growth vs Today
✦ Cal, AI Explanation
Cal is analysing your net worth...
💬 Ask Cal a follow-up question
Cal
Your net worth is calculated. Ask me about how to grow it faster, whether your debt level is healthy, or how to reach a specific wealth target.
📈 Net Worth Benchmarks
Age 30 (Europe): A net worth equal to 1–2× annual salary is a solid base. Roughly €50k–€100k on an average European income.
Debt-to-asset ratio below 30% is strong. 30–50% is manageable. Above 50% means more than half your assets are debt-financed.
Liquid net worth excludes property and pension. It shows how much you could access in a crisis. Three to six months of expenses is the minimum target.
The fastest net worth growth comes from three things working together: increasing savings rate, eliminating high-interest debt, and letting long-term investments compound.
Net worth is the single most important number in personal finance — the sum of everything you own minus everything you owe. A high income does not mean a high net worth. A high net worth means you have built genuine wealth that works independently of your next paycheck.
The Formula
Net Worth = Total Assets − Total Liabilities
Assets: property, investments, savings, pension, vehicles, and anything else with financial value. Liabilities: mortgage balance, loans, credit cards, and all other debt.
Liquid vs Total Net Worth
Total net worth includes illiquid assets like your home and pension. Liquid net worth includes only cash, savings, and investments you can access without selling your home or triggering pension penalties. Both numbers matter — liquid net worth tells you how financially resilient you are today.
How the Projection Works
The 20-year projection compounds your investable assets at your chosen return rate, grows property values annually, and reduces debt by your stated annual paydown. New savings are added each year and compounded with the existing portfolio. Conservative and optimistic scenarios adjust return rates by ±3% and property appreciation by ±1.5%.
Net Worth by Age — European Benchmarks
Approximate net worth ranges across Western Europe. Wide variation exists based on country, housing costs, income level, and pension structure.
Age
Building
On Track
Strong
Primary Driver
Age 25
0 – 10k
10 – 30k
50k+
Student debt payoff, first savings
Age 30
10 – 40k
50 – 120k
200k+
Career growth, first property
Age 35
40 – 100k
120 – 300k
500k+
Home equity, investment portfolio
Age 40
100 – 200k
300 – 600k
1M+
Compound growth, property appreciation
Age 50
200 – 400k
600k – 1.2M
2M+
Pension, property equity, investments
Age 60
400 – 700k
1.2M – 2.5M
4M+
Full compound effect, near-paid mortgage
Frequently Asked Questions
Should I include my pension in my net worth?+
Yes, but track it separately from liquid net worth. Pension value is real but illiquid until retirement. In the Netherlands, your AOW state pension and occupational pension are valuable income streams rather than accessible capital sums. For a complete picture, ask your pension provider for the capital equivalent of your expected pension, and keep it labelled separately from liquid assets in your tracking.
Should I include my home in my net worth?+
Yes, at current market value minus the outstanding mortgage — this is your home equity. However your home is a special asset because you cannot sell it without needing somewhere to live. Many financial planners track two figures: total net worth including home equity, and investable net worth excluding the home. The second number better reflects how much capital is actively working for you in the market.
What is a healthy debt-to-asset ratio?+
Below 30% is strong. Between 30% and 50% is manageable and common for people with mortgages. Above 50% means more than half your assets are financed by debt, which increases financial vulnerability. Mortgage debt at a low rate on an appreciating property is fundamentally different from credit card debt at 20%. Focus on eliminating high-interest consumer debt first — it is the most destructive to long-term net worth growth.
How do I grow my net worth fastest?+
The fastest growth comes from three levers working simultaneously: increasing your savings rate, eliminating high-interest debt, and letting long-term investments compound. Increasing savings rate from 10% to 20% roughly doubles the speed of net worth growth. Eliminating a 20% APR credit card is an immediate guaranteed 20% return on that capital. Starting to invest early gives compound interest decades to work. Most people who reach financial independence optimise all three rather than focusing on one alone.
How often should I track my net worth?+
Monthly is common but quarterly is sufficient for most people. More frequent tracking can cause anxiety over short-term market movements without providing useful information. The important thing is consistency — use the same methodology each time, update all asset values to current market prices, and include every liability. Tracking over years rather than months reveals the real trend and keeps you focused on long-term wealth building rather than short-term noise.